Mhinduro:
Zvichida kana usina kushanda munguva yehupenyu hwako uye ukawana Social Security, unogona kukodzera kuwana zvikwereti pane zvinyorwa zvemumwe wako. Iyi ndiyo mhaka kunyange kana iwe wakarambana kana chirikadzi.
Sezvo neHarare Social Security inobatsira , iwe uchakwanisa kutanga pazera remakore makumi matanhatu (iwe unogona kukodzera kare kune avo vakapona, izvo zvinotsanangurwa pasi apa). Kazhinji, mari yaunowana inoderedzwa kutanga iwe unotanga kuunganidza musati wanyatsozadza basa rekurega basa .
Ndokusaka iwe uchisarudza iwe newawakaroorana naye paanotanga kushanda kuti zvibatsire nyaya.
Heano humwe ruzivo rwekuti runoshanda sei.
Kana Iwe Usingafanirwi Nezvipo Pamusoro Pako
Kana iwe usina kuita zvakakwana muhupenyu hwako kuti ukwanise kuwana Social Security mazano iwe pachako, unogona kuwana hafu yewewakaroorana naye kubhadhara mari yakazara mushure mekunge usvika makore ose ekurega basa, uye iwe uchafanirwa neMedare yemumwe wako ava nemakore 65. Izvi Murume nomudzimai vanobhadhara vari mukuwedzera kune zvavanobatsirwa uye hazvibatsiri mari yawakaroorana nayo.
Iwe unogona kutanga kuunganidza kubatsirana nemudzimai pazera remakore makumi matanhatu, kana wako wako akakumbira kubatsirwa panguva iyoyo. Asi kubvisa basa rekutanga kunoderedza maropafadzo ako. Kuwanda kwekubatsira kwako kwakaderedzwa zvichienderana nenhamba yemwedzi kusvikira uzozadza nguva yakazara yekurega basa. Iti gore rako rekurega basa riri 66. Kana iwe ukatanga kuunganidza mazano ekuroorana :
- Pazera remakore makumi matanhatu nemashanu, iwe unowana 35% yemudzimai wako
- Pazera remakore makumi matanhatu nemashanu, iwe unowana 37.5% yemumwe wako
- Pazera remakore makumi matanhatu nematanhatu, iwe unowana 42% yemudzimai wako
- Pazera remakore makumi matanhatu nemashanu, iwe unowana 46% yemumwe wako
- Pave nemakore makumi matanhatu nematanhatu, iwe unowana 50% yemudiwa wako
Kana Iwe Unofanirwa Nehupenyu Hwako Hwezvokuchengetedza Mazano
Kana iwe wakashanda uye ukawana zvako zvekuchengetedzwa kwehupfumi hwehupfumi munguva yako yehupenyu, unogona kuwana kusanganiswa kwezvakanaka zvako uye zvekuroorana.
Kana zvikomborero zvemudiwa wako zvakakwirira kudarika zvako, zvikomborero zvako zvicharuramisa kusvika pachiyero chakakwirira.
Vakaroorana vanogona kugadzirisa pavanenge vachitsvaga Social Security kuitira kuti vawedzere zvikomborero zvamunowana semurume nemudzimai. Somuenzaniso, ngatiti iwe waizotanga kugamuchira Social Security pazera remakore makumi matanhatu. Hauzowani mari yakazara yezvikomborero zvako, asi iwe unogona kuwedzera mari yaunowana kana iwe uchikwanisa kubatsirana nemudzimai.
Zvimwe, unogona kumirira. Kana ukangosvika kumakore ose ekurega basa uye unokodzera kubhadhara mari yako yekubvisa pamwe chete nemudzimai unobatsira, iwe unogona kukumbira kuti iwe ubhadharire iwe pachako kusvika pazera remakore makumi manomwe uye uwane kubhadhara kubhadhara mari yechikwata (kana mudzimai wako angasarudza sarudzo iyi panzvimbo). Izvi zvichawedzera huwandu hwemari yako yekubhadhara pazera remakore makumi manomwe.
Kana Wakarambana
Kana iwe wakaroora kune mumwe chete wemakore kwemakore 10 kana kupfuura uye munhu iyeye akashanda zvakaenzana kuti akakodzera Social Security, unogona kugamuchira zvinyorwa kune rekare yekodha kana iye akaroorwa zvakare.
Kuti ukwanise, unofanirwa kuva usina kuroorwa. Kana iwe ukarooranazve, hauna kukodzera kuwana rubatsiro kubva kune wawakaroorana naye kunze kwekuti mararamiro anotevera apera uye iwe wakarambana kwemakore maviri.
Kana wawakaroorana naye akafa, uye iwe ukaroorwazve mushure mekunge wava nemakore makumi matanhatu, kupona kwako kunobatsira hakubatsiri.
Kana Uri Chirikadzi kana Murikadzi
Chirikadzi kana murikadzi inogamuchira chimwe chinhu chinonzi mupukunyutsi chinobva kune Social Security . Mitemo iyi yakafanana nedzimwe nhengo dzepabonde asi kuponeswa kunobatsira kunotanga nekusvika makore makumi matanhatu. Zvechokwadi, sekune zvimwe zvikomborero, zvikomborero zvako zvinoderedzwa kana iwe uchingotanga kuunganidza mushure mokuzorora kwemakore.
Kana iwe uri chirikadzi yakarambana kana murikadzi, mitemo yakafanana. Zvisinei, kana ukarooranazve usati wava nemakore makumi matanhatu, haugoni kuwana muparadzi unobatsirika pawakaroorana. Kana ukaroorwazve mushure mezera remakore makumi matanhatu, unogona kukodzera kuwana muponesi unobatsira. Izvo zvikomborero zvakaoma, saka zvakanakisisa kuti uakurukure navo nemumiriri we Social Security.
Hapana Chikonzero Chekushandisa seMudzimai
Kana iwe, wako wako kana wawakaroorana newe achitsvaka rubatsiro, urongwa huchaita ruzivo rwekubvumirwa kwako kune zvipo semumwe wako.
Iwe haufaniri kuita chikumbiro chakasiyana. Kunyange kana wawakaroorana naye kana wawakaroorana naye asvika panguva yakakodzera yekubatsirwa asi asina kushandisa, unogona kutanga kuunganidza zvikwereti pane zvinyorwa zvake. Asi kana uine mibvunzo pamusoro pekuti iwe unofanirwa kuva semudzimai, unogona kushanyira hofisi yebazi rekuchengetedzwa kwehupfumi kana kudana 1-800-772-1213.
Zvechokwadi, kana iwe uchiramba uchishanda, kana kuti ukawana mubhadharo kubva kune waimboshandira mushandi, mari yaunogona kugamuchira ichagadziriswa. Uye kune mhedzisiro yekuti iwe unogona kuwana zvakawanda zvakakwana sei. Heano chidimbu chinobatsira chinoratidzira paunenge uchitsvaga Social Security kuti uwedzere mararamiro ako eupenyu semurume nemudzimai:
http://www.aarp.org/work/social-security/social-security-benefits-calculator.html
Tsvaga zvakawanda pamusoro pekuunganidza Social Security benefits:
Ndingawanei Ikugadzirira Social Security Retirement Benefits?
Nzira Yokushandisa Nayo Social Security Retirement Benefits
Ndinogona Kuwana Social Security kana Ndiri Kushanda Here?
Mitero paZviviri Zvehupfumi Makomborero
> Kwakabva: Social Security Administration, 2012
Zvinonzwisisika: Zviri pamusoro pepaiti ino zvinopa ruzivo uye zvinokurukurwa chete. Izvo hazvifananidzi kuva ruzivo rwezvemari uye haufaniri kuva chikonzero chega chekuti iwe uite zvikwereti kana kusarudza mutero. Pasinei nemamiriro ezvinhu iyo ruzivo runomiririra hutungamiri kutenga kana kutengesa zvigumisiro.